Good day Vernie, If you have registered the discharge with the land registry office, they would have a copy. If this is what you forgot to do and will be doing it after 15 years, you can approach your lender and find out if they have it in file. They would also point you in the right direction where to get the document in case they do not have it in file. It has to be available somewhere.

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I want to refinance my current home, but i am also planning to purchase a new home as my primary residence.the broker handling the refinance told me not to mention anywhere that i would no longer be living in the home, and that as long as i occupied the house until closing, it would be okay to call it my primary residence. while reviewing the closing documents i realized that i signed papers stating that i would occupy the home, and that i would not rent it out. (renting the home is in fact my intention). i don't know if this is illegal, or if so, how serious it is. i have until midnight on 12/18 to cancel the refinance, should i?

Why do you think the broker told you not to mention it anywhere? …Because what he is telling you to do is loan fraud. Why do you think the mortgage industry is in such a mess? …Because too many lenders and borrowers are willing to commit loan fraud. Why is it fraud? … Because the end line investor is will to invest his money to purchase the loan based on the risk of the loan. A property that is non-owner occupied is a greater risk to the investor than is an occupied one. Therefore the qualifications, interest rate, and costs are higher for the non-owner occupied property. Here is what you signed your name to on the application: Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature. Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or re-verify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate purpose through any source, including a source named in this application or a consumer reporting agency. Borrower's Signature Date Co-Borrower's Signature Fannie Mae Form 1003 07/05 Freddie Mac Form 65 07/05 CALYX Form Loanapp4.frm 09/05 Page 4 of 5 Not only should you not do this loan, you should turn your broker/lender into your State’s regulatory board. Things will never be better until we make them better.

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Almost a month ago my husband and i signed papers to start processing our mortgage refinance with mortgage broker . last week, my husband found a better deal which is lower interest rate and lower closing cost. today, my husband got a call from mortgage broker that we can now close the deal. my husband mentioned that we are no longer interested. the owner of the company called and left a voice message that we can't just back out and we have to pay $2,000 for processing fee even though my husband and i signed that the application fee, appraisal fee and credit report fee will cost us $0.00. the broker company owner also said, that not to pushed this further which i think he meant they can sue us if we back out or if we do not to pay the $2,000. we live in wisconsin. do they have legal right to do that? there is nothing in papers that we signed that if we back out or cancel this we will need to pay for this amount. please need your help. we are so confuse. will our credit score get affected? will they win if they decided to sue us? any help is definitely appreciated. thank you!

I'm sure the papers you signed state that you will be responsible for any costs the lender incurres if you should back out once your approved. Read your signed papers very carefully.